UAE insurer profile
Takaful Emarat
Est. 2008 · Dubai · DHA, HAAD, MOHAP regulated
Leading Takaful (Islamic insurance) provider in the UAE. Takaful Emarat offers 2 health insurance plans in the UAE, accepted by 7,943 healthcare providers across 8 cities. Data cross-referenced with the UAE Open Healthcare Directory.
At a glance
Key facts.
- Leading Takaful (Islamic insurance) provider in the UAE
- Operates across all emirates with Sharia-compliant products
- Listed on Dubai Financial Market
- Strong focus on family Takaful and group health
Coverage matrix
Coverage at a glance.
| Plan | Tier | Premium / yr | Annual Limit | Co-pay | Dental | Optical |
|---|---|---|---|---|---|---|
| Takaful Emarat Basic Takaful | Basic | AED 2,500 – 4,800/yr | AED 250,000 | 20% | — | — |
| Takaful Emarat Enhanced Takaful | Enhanced | AED 5,500 – 12,000/yr | AED 500,000 | 20% | ✓ | ✓ |
Co-pay shown is for outpatient visits. Premiums are indicative annual ranges.
Plan catalogue
Insurance plans.
Takaful Emarat
Takaful Emarat Basic Takaful
Employers seeking Sharia-compliant mandatory health coverage
AED 2,500 – 4,800/yr
Annual limit: AED 250,000 · shared room · 20% co-pay
7,943 providers
View details →Takaful Emarat
Takaful Emarat Enhanced Takaful
Corporate employees and families wanting Sharia-compliant enhanced cover
AED 5,500 – 12,000/yr
Annual limit: AED 500,000 · semi-private room · 20% co-pay
7,943 providers
View details →Who accepts this
Provider network.
Providers by City
Top Specialties in Network
The claims flow
How claims work with Takaful Emarat.
Direct billing. Present your Takaful Emarat insurance card at any in-network provider. The clinic or hospital bills Takaful Emarat directly — you pay only your applicable co-pay (20%–20% outpatient) at the point of care. No paperwork required.
Reimbursement claims. For out-of-network or emergency treatment, collect itemised invoices and medical reports, then submit via takafulemarat.com or call 800-825235. Standard reimbursement decisions are issued within 15–30 working days. Pre-authorisation is required for planned inpatient admissions, surgeries, and high-cost diagnostics — contact Takaful Emarat at least 48 hours in advance.
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Questions
About Takaful Emarat.
Takaful Emarat Insurance — FAQ
What health insurance plans does Takaful Emarat offer in the UAE?
Takaful Emarat offers 2 health insurance plans in the UAE: Takaful Emarat Basic Takaful, Takaful Emarat Enhanced Takaful. Plans range from AED 2,500 – 4,800/yr to AED 5,500 – 12,000/yr annually.
How many healthcare providers accept Takaful Emarat insurance?
According to the UAE Open Healthcare Directory, 7,943 healthcare providers across 8 UAE cities accept Takaful Emarat insurance. This includes hospitals, clinics, dental practices, and specialist centers.
Does Takaful Emarat cover dental and maternity?
Dental and maternity coverage depends on the plan tier. Yes, Takaful Emarat's enhanced and premium plans include dental coverage. Maternity is covered with waiting periods ranging from 10 to 12 months.
Is Takaful Emarat the UAE healthcare regulator or HAAD compliant?
Takaful Emarat is regulated by DHA and HAAD and MOHAP. The UAE healthcare regulator (Dubai) compliance means all plans meet the Essential Benefits Package required for Dubai residents and workers. Additionally, Health Authority Abu Dhabi (HAAD/DoH) oversight ensures plans meet Abu Dhabi's mandatory Thiqa and basic scheme requirements. the UAE healthcare regulator registration applies for the Northern Emirates.
How do I file a claim with Takaful Emarat?
To file a claim with Takaful Emarat, call their claims line at 800-825235. For direct billing, simply present your Takaful Emarat insurance card at any in-network provider — the clinic or hospital settles directly with the insurer. For reimbursement claims (out-of-network or emergency), submit itemised invoices, a completed claim form, and your doctor's report within 90 days of treatment via takafulemarat.com or by post to their Dubai office.
What is the cheapest Takaful Emarat plan?
The most affordable Takaful Emarat plan is the Takaful Emarat Basic Takaful (Basic tier), starting from AED 2,500 – 4,800/yr annually. It covers inpatient, outpatient, maternity with a 20% outpatient co-pay and an annual limit of AED 250,000.
Does Takaful Emarat have a mobile app for claims?
Takaful Emarat offers digital claims submission through their member portal at takafulemarat.com. Most major UAE insurers, including Takaful Emarat, provide a mobile app or online portal where members can submit reimbursement claims, view policy documents, check coverage limits, find in-network providers, and download tax invoices. Download the Takaful Emarat app from the App Store or Google Play, or log in via their website to access self-service claim tools.
Disclaimer. Plan details and premiums are indicative. Obtain a personalised quote from Takaful Emarat or an authorised broker. Provider network data sourced from the UAE Open Healthcare Directory, last verified March 2026.